State-Specific Deadlines

Proof-of-loss clocks, suit limitation windows, and carrier response deadlines by jurisdiction—know what must happen and when.

Authority Guides › State-Specific Deadlines

On This Page

    Overview

    Each state sets its own clocks for acknowledging claims, investigating, paying undisputed amounts, and when a policyholder must sue. Knowing the outside dates lets you push for timely handling and avoid forfeiting rights.

    Key Rules & Requirements

    • Notice of loss: Most policies require prompt notice; some states allow denial only if the carrier is prejudiced by delay.
    • Proof of loss (POL): Common deadlines are 30–60 days from request; extensions must be confirmed in writing.
    • Suit limitation: Contractual periods are often 1–2 years from date of loss or denial; some states toll during adjustment.
    • Claim acknowledgment: States typically mandate acknowledgment within 7–15 calendar days of notice.
    • Coverage decision: Many jurisdictions require a written decision within 30–45 days after proof of loss or completion of investigation.
    • Undisputed payment: Statutes often require payment within 5–20 days after liability and amount are determined.

    Step-by-Step Guidance

    1. Capture the date of loss and the date notice was given—these anchor every other deadline.
    2. Request deadlines in writing: ask the adjuster to confirm P.O.L. due date, inspection date, and decision timeline.
    3. Calendar state response clocks (acknowledgment, decision, payment) and add 5 days before each to follow up.
    4. If more time is needed for POL, request an extension in writing before the due date and keep the approval email/letter.
    5. When deadlines are missed, send a time-limit demand citing the state statute and request immediate compliance.
    6. Track the contractual suit limitation and pause settlement talks at least 60–90 days before to evaluate filing.

    Required Documentation

    • Copy of the policy showing suit limitation and proof-of-loss clause.
    • State statute or regulation citation for acknowledgment, decision, and payment deadlines.
    • Timeline log: notice date, inspection dates, information requests, and responses.
    • Written POL submission (if required) with delivery receipt.
    • Any extension agreements granted by the carrier.

    Common Insurer Tactics

    • Requesting rolling documents to argue the claim is still “under investigation” and avoid decision clocks.
    • Imposing ultra-short POL deadlines without acknowledging extension requests.
    • Relying on policy suit limitation even when their delays consumed the timeline.
    • Back-dating denial letters or sending decisions without mailing proof to shorten appeal time.

    Red Flags to Watch For

    • No written acknowledgment within the state’s required window.
    • Inspection repeatedly rescheduled without good cause.
    • POL due date set but no written confirmation of received documents.
    • Denial or reservation of rights without citing the state statutory basis for delay.
    • Suit limitation approaching with no settlement posture.

    Best Practices for Policyholders

    • Send notice immediately and keep proof of delivery.
    • Submit POL on time; if impossible, obtain a written extension.
    • Quote the specific state statute when following up on missed deadlines.
    • Escalate to a supervisor or file a complaint if statutory clocks are ignored.
    • Consult counsel well before the suit limitation to preserve leverage.
    ← Back to Authority Guides